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2233 INDIGO Avenue, Middleburg, FL, 32068

5beds
3baths
3,781sqft
$389,000
$103price/sqft
$3,094/moest. monthly cost
$123,760/yrincome needed

About This Home

Over 3,780 sq ft on 1.14 acres in central Middleburg. ~$103/sq ft. Private financing available. *** 3/2 manufactured home (1,731 sq ft) split plan, fireplace, open great room/kitchen, pantry, walk-in closets. *** 2-story guest house, mother-in-law suite, multi-family, ADU, workspace (2,050 sq ft). Separate addresses & electric, mini-split HVAC, full bath, appliance hookups. * 6-ft privacy fence on both properties. No HOA. No CDD. No water fees. Fiber internet. * 2233 tenant month-to-month $1,875/mo, transfers or vacates buyer's choice. Zillow Zestimates $3,675/mo combined. Dual income, multigenerational, house-hacking. *** Clay County where Jax, St. Augustine and Gainesville are expanding. FDOT $1.9B First Coast Expressway I-10 to I-95 through Clay County by 2030; property values likely to continue increasing significantly.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
5/10
Middleburg High SchoolGrades PK,9-124.9 mi

Construction

Condition

  • Year built: 1999

Materials

  • Roof: Metal,Shingle
  • Construction materials: Other,Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Other

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Carpet,Concrete,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Other
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Other
  • Cooling features: Central Air,Other

Interior Area

  • Total interior livable area: 3,781 sqft

Property

Details

  • Parcel number: 16052400595478200

Features

  • Levels: Two
  • Exterior features: Other
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 1.12 Acres
  • Features: Other

Parking

  • Parking features: Other,Guest,Off Street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Tornado
Tsunami

FEMA Declared Disasters in Clay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,966$23,592
Home Insurance *$265$3,180
Property Taxes $483$5,796
Electricity $380$4,566
Total$3,094$37,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,080/yr
40% on housing$92,820/yr
45% on housing$82,506/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.5%
16.5%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.5%
4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 32068$160
Clay County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 32068$192
Clay County$181

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-24Listed for sale$389,000
2025-11-03Listing removed$1,875
2025-10-07Listed for rent$1,875
2025-09-23Listing removed$1,875
2025-09-21Price change$1,875
2025-09-13Listed for rent$1,975
2024-02-02Listing removed--
2024-01-24Price change$1,675
2024-01-23Price change$1,775
2024-01-19Price change$1,875
2023-12-23Listed for rent$1,925
2023-07-22Listing removed--
2023-07-17Price change$1,875
2023-07-14Listed for rent$1,975
2023-06-12Listing removed--
2023-06-12Price change$2,075
2023-05-29Price change$2,150
2023-05-15Listed for rent$2,250
2017-05-26Sold$57,910
2017-05-01Pending sale$49,900
2017-04-24Listed for sale$49,900
2017-03-20Sold$41,000

For Sale by Agent

AgentSTEPHEN HACHEY
BrokerageLOWEST FEE REALTY LLC

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